Dissertation > Excellent graduate degree dissertation topics show

Improve the Small and Medium-sized Enterprises Credit Risk Rating System of Commercial Bank

Author: WuJianMing
Tutor: XueYuHua
School: Suzhou University
Course: Finance
Keywords: SMEs Credit risk Rating system
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 129
Quote: 0
Read: Download Dissertation


SMEs ,Small and Medium-sized Enterprises, are the base strength to promote national economic development,the main structure of market economy and the social stability, and they have become important support of the national economic and social development of Jiangsu. To support the development of SMEs,a number of domestic commercial banks have set up their own SMEs Loan Center (or SME Banking Department) since 2008.From two years of actual operation, the establishment of these centers have increased financial support to SMEs to a certain extent. But there are some problems. Firstly, the implementation of abroad advanced business model do not consider the actual situation of China;Secondly, for some high-quality companies, there are duplicate financing since the banks are trying to lend,as a result, risk may be subsequently gathered. In view of this, the paper intends to select the SMEs loan mechanism of ChangzhouBranch of“A”bank as a research object. According to the actual operation of SMEs Loan Center of the commercial bank in A, and problems of commercial bank credit to SMEs and propose a solution for the SMEs optimization of SME credit risk rating .On one hand, to improve the audited mechanism of SMEs credit, the paper build a combination of credit rating methods of audited credit by quantitative evaluation and qualitative evaluation, and examines the feasibility of evaluation system using 32 normal loans companies as the study sample. On the other side, based on this system, the article gives suggestions on how to manage lending risks in med-small sized commerical banks from both internal and outside views.

Related Dissertations

  1. Private Equity Financing of X Fine Chemical Co., Ltd.,F426.7
  2. A Study on Encentive Effects of Private SMEs’Key Employees,F276.5
  3. Study on Issues and Countermeasures of Small & Medium Enterprise during the Period from OEM to OBM,F276.3
  4. Research on the Relationship between Government Arrangement and SMEs Finance in the Perspective of Commercial Banking,F276.3
  5. Changsha Branch of Huaxia Bank the SME Loan Marketing Strategies,F832.4;F276.3
  6. Credit Derivatives Impact on the Credit Risk Management,F832.2
  7. SME financing credit rating,F276.3
  8. Research of SMEs (Small and Medium-sized Enterprises) Crisis Prevention Base on TOC,F224
  9. Legislation problems and financing of SMEs,F276.3
  10. Small and medium-sized enterprise set bond credit risk measurement research,F276.3
  11. Research on the Appraisal System of Credit Risk Internal Control System in the China Construction Bank Yi Yang Branch,F832.4
  12. Ownership structure and corporate performance,F832.51;F224
  13. The Logistics Finance Credit Risk management REsearch in Commercial Bank,F259.2
  14. Study on the Problems of Risk Management for Personal Loan Business of Guangzhou Bank,F832.2
  15. Study on Credit Risk Management of Supply Chain Finance of Commercial Bank,F274
  16. Commercial Bank Credit Risk Evaluation Based on Neural Network and Evidence Theory,F830.33
  17. Analysis on the Development of Credit Business of SMEs in Bank of China Hunan Branch,F276.3
  18. The Study on Chinese Logistics Finance Development,F832.3
  19. The Research on Non-performing Assets Management of Chinese Joint-stock Commercial Banks,F832.2
  20. A Study of Financing Efficiency of Small and Medium Enterprises in China,F275

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net  Mobile